Sberbankfirst

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следующий раздел

BANKCARDS

Sberbank First, together with Visa and American Express, has developed unique premium cards. With Visa Infinite and Black American Express cards, you will receive exclusive benefits, guaranteeing you a special top-level treatment in any country of the world.

Visa Infinite

The package of services offered by the Sberbank Visa Infinite card includes support for solving a variety of not only financial but also day-to-day problems. Do you urgently need to book tickets, make travel arrangements or schedule your leisure time? Call us at any time and entrust resolution of your problem to us.

Extra benefits available for Sberbank cards:

Special overdraft limit and credit limit;

Medical assistance in emergencies around the world;

Concierge service that will resolve even the most complex issues: booking tickets, travel arrangements, business meetings and negotiations in different parts of the world, interpreter services, tour guide services, and much more;

Make bids through the QUIK Internet Trading System or by phone to a specialised trade-desk service;

Service for unsecured transactions (margin trading), which allows you to perform transactions with securities in amounts exceeding the value of your own assets, such as cash and/or securities;

Service for over-the-counter REPO transactions (OTC REPO), which represents an alternative to lending against securities.

Contact your personal manager to select the best option for brokerage services.

PRECIOUSMETALS

Sberbank is one of the largest players on the Russian market for precious metals. We are ready to offer you favourable terms for operations with precious metals.

The following offers are at your service:

Opening and maintaining unallocated bullion accounts;

Purchasing and selling precious metals in bars;

Purchasing and selling Russian and foreign coins made of precious metals.

When you open an unallocated bullion account, you can earn profits from increases in the value of precious metals on world markets. In addition, an unallocated bullion account allows you to:

Diversify your investment portfolio by investing in precious metals;

Ensure liquidity: the sale of bullion from an unallocated account is carried out by the bank on the very day your application is submitted;

Avoid VAT, which is not required in unallocated bullion accounts*;

Avoid the costs associated with manufacture, transportation and storage of bars;

Withdraw funds from accounts in gold and silver bars (subject to a 18% VAT**;

Deposit precious metals in bars into your account.

* Individuals who receive income from the sale of precious metals must independently calculate and pay personal income tax from the specified type of income and submit a declaration to tax authority at the place of their registration.

** If the metal in bars that were earlier purchased as unallocated bullion are withdrawn from the account in physical form, the client shall pay a fee and 18% VAT from the carrying value of metal on the day of the withdrawal transaction.

Precious metal bars

You can purchase and sell precious metals in bars without opening a metals account. At the same time, its up to you to choose what weight you would like for each bar:

Gold – from 1 to 1000 grams;

Silver – from 50 to 1000 grams;

Platinum and palladium – from 50 to 1000 grams.

Bars make excellent, unforgettable gifts! We provide gift boxes for those who would like to take advantage of the gift-giving potential of bars. You may also store your bars in our depository or in an individual safe deposit box on the premises of the bank.

Precious Metal Coins

The chief advantage of coins is that their value most closes reflects the price of the precious metal they contain. Therefore, these coins, which are both an artistic collector’s item and also a unique gift, is an income-generating investment that follows the market price for precious metals.

MUTUALFUNDS

Sberbank First offers you its own line of mutual funds (MFs).

MFs hold a special place in the arsenal of financial solutions offered by Sberbank Asset Management CJSC Management Company*.

By investing in mutual funds, you become a full participant in the stock market, with all transactions involving securities and other fund assets carried out by our experts.

Mutual funds offered by Sberbank First provide you with the following benefits:

Professional management. Entrust the management of your assets to professional managers having more than ten years of experience.

* Sberbank Asset Management Closed Joint Stock Company 10 Presnenskaya emb., Moscow 123317. Telephone: +7 (495) 258 0534. Fax: +7 (495) 258 0536Sberbank Asset Management was registered by the Moscow Registration Chamber on 1 April 1996. Licence of the Federal Financial Markets Service for the management of investment funds, mutual funds and non-government pension funds No. 21-000-1-00010 d/d 12 September 1996. The licence for securities management No. 177-06044-001000 was issued by the Federal Financial Markets of Russia on 7 June 2002.The cost of investment units may be increased or decreased, the results of past investments do not indicate future income, and the government does not guarantee a return on investments in mutual funds. Before purchasing an investment stake, you should thoroughly examine regulations for the trust management of the respective mutual fund. You may learn more about mutual funds and familiarise yourself with the regulations for the trust management of mutual funds and other documents at the address: Presnenskaya Emb. 10, Moscow 123317. Regulations for the trust management of mutual funds stipulate for application of increments (discounts) to the estimated value of investment stakes at the moment of their issue (repayment). Such increments (discounts) decrease the yield of investments in mutual fund shares.OMF of Bonds: Sberbank — Ilya Muromets Bonds Fund — this fund's trust management rules were registered by the Russian FFMS on 18 December 1996, Reg. No. 0007-45141428.OMF of Shares: Sberbank — Dobrynya Nikitich Shares Fund — this fund's trust management rules were registered by the Russian FFMS on 14 April 1997, Reg. No. 0011-46360962.OMF of Mixed Investments: Sberbank — Balanced Fund — this fund's trust management rules were registered by the Russian FFMS on 21 March 2001, Reg. No. 0051-56540197.OMF Sberbank — Money Market Fund — this fund's trust management rules were registered by the Russian FFMS on 24 December 2002, Reg. No. 0082-59794722.OMF of Shares: Sberbank — Fund of Small Cap Shares — this fund's trust management rules were registered by the Russian FFMS on 2 March 2005, Reg. No. 0328-76077318.OMF of Bonds: Sberbank — Fund of Risk Bonds — this fund's trust management rules were registered by the Russian FFMS on 2 March 2005, Reg. No. 0327-76077399.OMF of Shares: Sberbank - Natural Resources — this fund's trust management rules were registered by the Russian FFMS on 31 August 2006, Reg. No. 0597-94120779.OMF of Shares: Sberbank — Telecommunications and Technologies — this fund's trust management rules were registered by the Russian FFMS on 31 August 2006, Reg. No. 0596-94120696.OMF of Shares: Sberbank — Electric Power Industry — this fund's trust management rules were registered by the Russian FFMS on 31 August 2006, Reg. No. 0598-94120851.CMF of Real Estate: Commercial Real Estate — this fund's trust management rules were registered by the Russian FFMS on 25 August 2004, Reg. No. 0252-74113866.OMF of funds: Sberbank — America — this fund's trust management rules were registered by the Russian FFMS on 26 December 2006, Reg. No. 0716-94122086.OMF of Shares: Sberbank — Consumer Sector — this fund's trust management rules were registered by the Russian FFMS on 1 March 2007, Reg. No. 0757-94127221.OMF of Shares: Sberbank — Financial Sector — this fund's trust management rules were registered by the Russian FFMS on 16 August 2007, Reg. No. 0913-94127681.OMF of Shares: Sberbank — Active Management Fund — this fund's trust management rules were registered by the Russian FFMS on 11 October 2007, Reg. No. 1023-94137171.OMF of funds: Sberbank — Emerging markets — this fund's trust management rules were registered by the Russian FFMS on 28 September 2010, Reg. No. 1924-94168958.OMF of funds: Sberbank — Europe — this fund's trust management rules were registered by the Russian FFMS on 13 February 2011, Reg. No. 2058-94172687.OMF of Shares: Sberbank — Global Internet — this fund's trust management rules were registered by the Russian FFMS on 28 June 2011, Reg. No. 2161-94175705.OMF of funds: Sberbank — Global debt market — this fund's trust management rules were registered by the Russian FFMS on 30 November 2010, Reg. No. 1991-94172500.OMF of funds: Sberbank — Gold — this funds trust management rules were registered by the Russian FFMS on 14 July 2011, Reg. No. 2168-94176260.OMF of Bonds: Sberbank — Eurobonds — this funds trust management rules were registered by the Russian FFMS on 26 March 2013, Reg. No. 2569-94173439.

TRUSTMANAGEMENT

Take advantage of the opportunity to preserve and grow your capital by entrusting it to experienced portfolio managers. At Sberbank First, trust management is available for investment capital starting from RUB 3 million.

We provide you with the opportunity to:

Place your trust in our background in managing customer assets: the Sberbank Asset Management JSC Management Company has been operating on the market for over 16 years;

Enjoy a personalized approach that we apply to each customer’s investment portfolio;

Benefit from the services of your own analytical team of six stock analysts and three credit analysts;

Feel secure that the advice we provide you is from experienced portfolio managers;

Receive regular and detailed reports on your investment portfolio;

Make sound investment decisions on the basis of our established relationships with major issuers.

With trust management services, you can place your capital in shares issued by Russian companies, as well as in the bonds offered by Russia’s largest issuers: governmental, sub-federal, municipal and corporate.** For a detailed consultation, please contact your personal manager. In addition, Sberbank Firsts professional team of analysts is also ready to assist you in selecting the best service option.

* Any mention of profitability is conditional and may not be construed as a guarantee of future yield. Results of investment and trust management in the past are not indicative of future income; the investment portfolio value may increase or decrease; the state does not guarantee investment returns. Before signing a trust management agreement you must carefully review the terms and conditions of the agreement, the trust management rules, the investment declaration, and other documents to be disclosed and submitted by the Management Company in accordance with applicable law.

ANALYTICALSUPPORT

You have the option of selecting the investment product that suits your needs with the help of the recommendations provided to you by the Sberbank First professional team of analysts. Your personal manager will give you access to the relevant market reviews.

ACCUMULATIVELIFE INSURANCE

Accumulative Life Insurance* — is a program that allows you to save up the funds for yourself and your family. In addition to storing your savings, you can also ensure that they are targeted and that your potential income from these funds is comparable with investments in conservative stock market products**.

This product allows you to:

Develop capital reserve with a periodicity of contributions to be defined by yourself (subject to the terms and conditions of the insurance contract);

Obtain insurance protection against unforeseen circumstances impacting your life and your health, active upon payment of the first instalment of the insurance program;

Obtain tax exemptions. Insurance payments are not subject to profit tax, personal income tax (subject to restriction specified in art.213 of the RF Tax Code) and inheritance tax;

Secure legal protection. The product-related insurance contributions and payments are not subject to confiscation, recovery, separation at divorce, and their details cannot be disclosed;

Be confident in the well-being of your loved ones. If the insurance contract establishes beneficiaries in the event of death, insurance payment is not included in the inheritance structure and is made in favour of the beneficiary listed in the insurance policy. Payment is rendered within the deadlines established by the insurance contract (usually – 30 days).

Need help choosing the best policy? Contact your personal manager and he will help you find the best solution.

*The Accumulative Life Insurance program is implemented by Sberbank Insurance IC LLC (FFMS License S No. 3692 77 dated 05 February 2013, address: 31G Shabolovka St., Moscow 115162). The Bank acts as the agent. More product details are available on the website: www.sberbank-insurance.ru.

** Any mention of profitability is conditional and may not be construed as a guarantee of future yields. Past investment results are not indicative of future income.

INVESTMENTLIFE INSURANCE

Investment Life Insurance* — is a special investment insurance product, which, in addition to life insurance, lets you earn additional potential income** and, at the same time, guarantees a return on all funds invested in it.

This product allows you to:

Earn potential investment income from the placement of part of your insurance contribution into various investment instruments, providing the guarantee of a return on your investment.

Obtain tax exemptions. Insurance payments are not subject to profit tax, personal income tax (subject to restrictions specified in art.213 of the RF Tax Code), or inheritance tax.

Secure legal protection. The product-related insurance contributions and payments are not subject to confiscation, recovery, separation at divorce, and their details cannot be disclosed.

Be confident in the well-being of your loved ones. If the insurance contract establishes beneficiaries in the event of death, the insurance payment is not included in the inheritance structure and is made in favour of your insurance beneficiary. Payment is rendered within the deadlines established by the insurance contract (usually – 30 days).

Contact your personal manager and he will help you select the best solution for you.

* The Investment Life Insurance program is implemented by Sberbank Insurance IC LLC (FFMS License S No. 3692 77 dated 05 February 2013, address: 31G Shabolovka St., Moscow 115162). The Bank acts as an agent. More product details are available on the website: www.sberbank-insurance.ru.

** Any mention of profitability is conditional and may not be construed as a guarantee of future yields. Past investment results are not indicative of future income.

PRIVILEGESPROGRAM

Visa Infinite is a special bank card with a set of unique privileges that are supplemented by exclusive bonuses of Sberbank First. Numerous services of Visa Infinite are made to keep the owner’s time and open a world of endless possibilities – from complex coverage to twenty four-seven personal assistant and exclusive offers in the most famous retail chains and hotels of the world.

Benefits of Visa Infinite card from Sberbank First:

Special overdraft limit;

Comprehensive medical and legal backing in case of urgent all over the world;

Travel insurance including amends in case of flight cancellation or delay or luggage loss with limit of cover up to 3 million dollars per totality of risks;

Concierge service that solves problems of any range and depth: booking tickets, arranging trips, arranging meetings and negotiations in any country of the world, translation service, guiding and many others;

Purchase insurance for everything bought via Visa Infinite from loss, theft or accidental injury during 90 days after buyout and also warranty extension for a period up to 24 months;

Extra manual cash with ability to come into money at a place of stay in case of loss, theft of card damage.

Visa benefits program includes discounts and special level of service in the best restaurants, hotels, clubs and airports of the world. You can be made aware of full list of benefits at the program’s website or in a special application Visa Premium.

CONCIERGESERVICE

Concierge service attendances are provided for you by highly professional employees of Visa. Any request of yours will be carefully worked over and you will be proposed the best solution promptly.

There will be found an answer for any question or ordered a needed service for you – from booking tickets to the most popular stage production and booking a table in a fashionable restaurant to urgent accounting of nanny, from information about MBA* preliminary courses to professional buyer’s services who will help you to choose a special gift for a remarkable date. While helping you to organize a trip "Concierge" service stands as an experienced companion who knows the ropes of every city in the world.

PERSONAL MANAGER

If you want a top-level expert handle any of your financial problems, all you need to do is to call your personal manager who will be happy to give competent advice on capital management and investment, take charge of your financial matters and financial issues faced by your family, and do much more. Just one call and we will take on the resolution of your problems!

Sberbank First brings your business meetings to a new level. Now you can hold a confidential meeting with your partners or customers at the negotiation room in any branch office of Sberbank First. Here, you get everything you need: from office equipment to a comfortable parking space. Get used to this new format of business meetings and remain ahead of the game.